Security State Bank & Trust Mortgage Lending & HMDA Data, 2022
In 2022, Security State Bank & Trust of Fredericksburg, TX reported 498 mortgage applications totaling $253.6 million, down 18% from 2021. The average application was for $509,196, and applicants reported an average income of $269,437. 76% of its applications resulted in an originated loan and 4% were denied. Its largest markets were San Antonio-New Braunfels, TX (81), Austin-Round Rock, TX (60) and Fort Worth-Arlington, TX (41) (applications in parentheses).
| Mortgage Company & Address | Security State Bank & Trust 201 West Main Street Fredericksburg, TX 78624 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 498 |
| Total Mortgage Loan Application Amount | $253,580,000 |
| Average Mortgage Loan Application Amount | $509,196 |
| Highest Mortgage Loan Application Amount | $9,355,000 |
| Average Applicant Income | $269,437 |
| Highest Applicant Income | $6,421,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Security State Bank & Trust filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Kerr, Texas | 78 | $ 24,260,000 | $ 311,025 | $ 133,000 |
| Gillespie, Texas | 73 | $ 36,435,000 | $ 499,109 | $ 364,000 |
| Burnet, Texas | 44 | $ 15,250,000 | $ 346,590 | $ 159,000 |
| Blanco, Texas | 41 | $ 19,985,000 | $ 487,439 | $ 200,000 |
| Travis, Texas | 40 | $ 42,590,000 | $ 1,064,750 | $ 353,000 |
| Comal, Texas | 38 | $ 15,440,000 | $ 406,315 | $ 243,000 |
| Llano, Texas | 31 | $ 11,925,000 | $ 384,677 | $ 205,000 |
| Tarrant, Texas | 26 | $ 21,550,000 | $ 828,846 | $ 667,000 |
| Bexar, Texas | 21 | $ 11,165,000 | $ 531,666 | $ 242,000 |
| Kendall, Texas | 15 | $ 12,105,000 | $ 807,000 | $ 355,000 |
| Hays, Texas | 14 | $ 12,270,000 | $ 876,428 | $ 612,000 |
| Parker, Texas | 9 | $ 7,715,000 | $ 857,222 | $ 397,000 |
| Johnson, Texas | 5 | $ 1,545,000 | $ 309,000 | $ 159,000 |
| Kimble, Texas | 5 | $ 1,155,000 | $ 231,000 | $ 85,000 |
| Williamson, Texas | 5 | $ 2,685,000 | $ 537,000 | $ 247,000 |
| Harris, Texas | 4 | $ 1,470,000 | $ 367,500 | $ 158,000 |
| Lampasas, Texas | 4 | $ 1,070,000 | $ 267,500 | $ 144,000 |
| Aransas, Texas | 3 | $ 2,115,000 | $ 705,000 | $ 1,486,000 |
| Bandera, Texas | 3 | $ 485,000 | $ 161,666 | $ 134,000 |
| Galveston, Texas | 3 | $ 1,665,000 | $ 555,000 | $ 642,000 |
| Lubbock, Texas | 3 | $ 635,000 | $ 211,666 | $ 130,000 |
| Nueces, Texas | 3 | $ 945,000 | $ 315,000 | $ 140,000 |
| Tom Green, Texas | 3 | $ 725,000 | $ 241,666 | $ 258,000 |
| Hood, Texas | 2 | $ 380,000 | $ 190,000 | $ 160,000 |
| Palo Pinto, Texas | 2 | $ 240,000 | $ 120,000 | $ 97,000 |
| Otero, New Mexico | 1 | $ 75,000 | $ 75,000 | $ 115,000 |
| Atascosa, Texas | 1 | $ 545,000 | $ 545,000 | $ 0 |
| Austin, Texas | 1 | $ 335,000 | $ 335,000 | $ 243,000 |
| Bastrop, Texas | 1 | $ 275,000 | $ 275,000 | $ 128,000 |
| Brazoria, Texas | 1 | $ 325,000 | $ 325,000 | $ 490,000 |
| Brazos, Texas | 1 | $ 215,000 | $ 215,000 | $ 90,000 |
| Calhoun, Texas | 1 | $ 95,000 | $ 95,000 | $ 56,000 |
| Cameron, Texas | 1 | $ 245,000 | $ 245,000 | $ 92,000 |
| Coleman, Texas | 1 | $ 335,000 | $ 335,000 | $ 120,000 |
| Gonzales, Texas | 1 | $ 435,000 | $ 435,000 | $ 149,000 |
| Guadalupe, Texas | 1 | $ 265,000 | $ 265,000 | $ 181,000 |
| Henderson, Texas | 1 | $ 645,000 | $ 645,000 | $ 620,000 |
| Kaufman, Texas | 1 | $ 315,000 | $ 315,000 | $ 171,000 |
| Medina, Texas | 1 | $ 545,000 | $ 545,000 | $ 470,000 |
| Montgomery, Texas | 1 | $ 125,000 | $ 125,000 | $ 247,000 |
| Smith, Texas | 1 | $ 645,000 | $ 645,000 | $ 2,590,000 |
| Somervell, Texas | 1 | $ 265,000 | $ 265,000 | $ 81,000 |
| Van Zandt, Texas | 1 | $ 385,000 | $ 385,000 | $ 134,000 |
| Washington, Texas | 1 | $ 265,000 | $ 265,000 | $ 0 |
| Wharton, Texas | 1 | $ 195,000 | $ 195,000 | $ 79,000 |
| Wilson, Texas | 1 | $ 375,000 | $ 375,000 | $ 228,000 |
| Wise, Texas | 1 | $ 645,000 | $ 645,000 | $ 211,000 |
| Young, Texas | 1 | $ 225,000 | $ 225,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Security State Bank & Trust in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 308 | $170,720,000 | $554,000 | $9,355,000 | $275,000 | $5,077,000 |
| Not Applicable | 96 | $48,720,000 | $507,000 | $5,005,000 | $185,000 | $620,000 |
| Refinancing | 62 | $27,410,000 | $442,000 | $3,245,000 | $338,000 | $6,421,000 |
| Home Improvement | 20 | $3,000,000 | $150,000 | $455,000 | $378,000 | $4,601,000 |
| Other Purpose | 12 | $3,730,000 | $310,000 | $755,000 | $267,000 | $620,000 |
| Cash-out Refinancing | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 369 | $194,525,000 | $527,000 | $9,355,000 | $308,000 | $6,421,000 |
| Hispanic | 59 | $13,955,000 | $236,000 | $875,000 | $134,000 | $425,000 |
| Not applicable | 58 | $40,920,000 | $705,000 | $5,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $825,000 | $165,000 | $305,000 | $80,000 | $115,000 |
| Asian | 5 | $2,225,000 | $445,000 | $705,000 | $218,000 | $405,000 |
| Black or African American | 2 | $1,130,000 | $565,000 | $575,000 | $232,000 | $353,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 482 | $248,500,000 | $515,000 | $9,355,000 | $287,000 | $6,421,000 |
| FHA-insured (Federal Housing Administration) | 9 | $2,265,000 | $251,000 | $365,000 | $91,000 | $128,000 |
| VA-guaranteed (Veterans Administration) | 6 | $2,680,000 | $446,000 | $645,000 | $137,000 | $243,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 1 | $135,000 | $135,000 | $135,000 | $57,000 | $57,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 376 | $191,400,000 | $509,000 | $5,515,000 | $304,000 | $6,421,000 |
| Application Approved But Not Accepted | 77 | $35,465,000 | $460,000 | $2,405,000 | $180,000 | $1,014,000 |
| Application Withdrawn By Applicant | 24 | $12,270,000 | $511,000 | $1,535,000 | $276,000 | $1,019,000 |
| Application Denied By Financial Institution | 21 | $14,445,000 | $687,000 | $9,355,000 | $231,000 | $3,183,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 477 | $239,135,000 | $501,000 | $5,515,000 | $283,000 | $6,421,000 |
| Debt-To-Income Ratio | 11 | $3,665,000 | $333,000 | $865,000 | $82,000 | $218,000 |
| Credit History | 7 | $9,825,000 | $1,403,000 | $9,355,000 | $488,000 | $3,183,000 |
| Collateral | 2 | $430,000 | $215,000 | $335,000 | $168,000 | $243,000 |
| Unverifiable Information | 1 | $525,000 | $525,000 | $525,000 | $189,000 | $189,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Security State Bank & Trust's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Security State Bank & Trust's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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